What are ‘accident benefits’?

Accident Benefits coverage is compulsory in all provinces except Newfoundland and Labrador. It provides compensation if you, your passengers, or pedestrians suffer injury or death in an automobile accident. The compensation is paid regardless of who is at fault in the accident. The following are the categories of compensation provided by Accident Benefits. The amounts paid in each category vary from province to province.

Medical: reimbursement for the cost of medical treatment not covered by any medical, surgical, dental or hospital plan or law.

Funeral: payment towards funeral expenses of those killed in a car accident.

Death: a lump sum payment following the death of an insured person; the amount will depend on the age, marital status and the number of dependents of the deceased.

Total disability: a limited weekly payment to employed individuals totally disabled in a car accident.